What is the maximum limit for a personal credit card?

There is no limit, it depends on your personal credit reporting ability.

Maximum credit card limit:

In early 2007, the People's Bank of China has lifted the restrictions on the credit card limit in the "Bank Card Management Measures" promulgated in 1997. From the original maximum limit of 5 Ten thousand yuan was changed to unlimited limit. Afterwards, various banks made corresponding adjustments to the credit review and limit approval of credit cards. After the adjustment, they only set a lower limit for the card issuance limit and no upper limit. In other words, a credit card may be thousands, tens of thousands, or tens of thousands. Credit limits range from tens of thousands to millions.

What does it mean that there is no cap on the credit card swiping rate?

That is, there is no cap on the credit card swiping fee, but the card swiping fee is borne by the merchant. For this reason, it is estimated that there is Some merchants do not allow large purchases with credit cards. The more you spend, the more handling fees you pay. For example, the handling fee for a credit card purchase of 10,000 yuan in a shopping mall is around 100, while the cap fee for a debit card is 20.

What is the general credit limit of Bank of Communications?

The limit range of regular credit cards: 1,000-10,000 yuan. Gold card limit range: 1,000-50,000 yuan. Platinum card limit range: generally above 50,000 yuan, up to more than 1 million yuan. The higher the level of the Bank of Communications credit card, the higher the limit you can obtain.

1. It should be noted that the level of a credit card cannot directly determine the credit limit of the credit card. The level of credit limit is related to the personal qualifications of the cardholder. The highest credit limit can reach more than 1 million, while the lowest limit may also be "zero" limit.

2. The credit limit of Bank of Communications credit card is generally related to the specific card level. The relationship between general grade and limit is as follows: Bank of Communications regular card credit limit range: between 1,000 and 10,000 yuan; Bank of Communications gold card credit limit Limit range: between RMB 10,000 and RMB 50,000; Bank of Communications Platinum Card credit limit range: above RMB 50,000, with no upper limit.

3. The Bank of Communications credit card credit limit is also related to the applicant's personal qualifications, such as work unit, income level, personal credit status, etc. Different applicants receive different credit limits. There is no difference between the regular card and the gold card of the Bank of Communications credit card. The upper limit is also the same, which is 50,000 yuan. The initial limit of a regular card will be relatively low, while that of a gold card will be relatively high at over 12,000 yuan. When applying for a credit card, a regular card will generally be approved if the annual salary is between 25,000 yuan and 80,000 yuan, and a gold card will be approved if the annual salary is above 80,000 yuan. There is no difference in actual use. After half a year of normal use, the limit will be adjusted based on the cardholder's usage and consumption amount. If you need it urgently, you can also call the customer service hotline on the back of your credit card to increase the temporary limit, up to a maximum of 200,000.

1. People who have Bank of Communications credit cards are generally divided into two categories, one is that the limit will not be increased for ten thousand years, and the other is that the limit is increased very quickly. The first three months of using a transportation credit card are the most critical. The first three months are called the risk control period of the Bank of Communications, also called the running-in period. Leaving a good impression during the running-in period is very helpful for increasing the credit limit.

What is the limit of CITIC Platinum Credit Card? There is no limit above 30,000 yuan.

CITIC Bank’s credit cards have always enjoyed a good reputation among card friends for their low application threshold and relatively loose limit policy. . Many cardholders who want to apply for a platinum credit card have set their sights on CITIC Platinum Card. So what is the limit of CITIC Platinum Credit Card? Let me answer it for you today.

What is the limit of CITIC Platinum Credit Card?

General limit regulations of CITIC Bank UnionPay Standard IC Card:

1. CITIC Regular Card 1000-7000;

2. CITIC Gold Card 8,000-50,000;

3. CITIC Platinum Credit Card 30,000 yuan or more.

There is no upper limit for the limit of the CITIC Platinum Card, and the specific limit must be evaluated and determined based on the cardholder’s comprehensive situation.

Therefore, as long as they meet the application standards for CITIC Platinum Credit Card, cardholders can get a credit limit of at least 30,000. If they are qualified, it will not be a problem to get 100,000.

Tips for increasing the limit of CITIC Platinum Credit Card

After talking about the limit of CITIC Platinum Credit Card, let’s take a look at a few tips that can increase the limit of CITIC Platinum Credit Card:

1. Frequency of use: Frequent use of credit cards, regardless of the amount, as long as the card can be swiped, the card will definitely be swiped;

2. Amount: It is best to have at least 30 of the total amount of bill consumption every month % or above;

3. Continuous bills: Bills for card consumption must last for 3 consecutive months without interruption, that is, there must be consumption every month.

After reading the content compiled for you, I believe you are no longer confused about the limit of CITIC Platinum Credit Card. Applying for a platinum credit card is actually not as difficult as imagined. As long as cardholders can maintain a good credit record and provide strong proof of assets, it will be very simple to apply for the card.

What is the general limit of an Industrial and Commercial Bank of China credit card?

The specific limit of an Industrial and Commercial Bank of China credit card is generally related to the type of card applied for. For regular credit card users, the limit is generally around 5,000 yuan; for gold card users, the limit is generally around 10,000-50,000 yuan; for platinum card users, the limit will be as high as 50,000-100,000 yuan, and there is no cap on the credit card limit of this level. Generally speaking, the specific limit of a cardholder's credit card is determined by the Credit Card Center of the Industrial and Commercial Bank of China based on the cardholder's solvency assessment results.

Credit limit:

The credit limit refers to the maximum overdraft limit that the bank gives you when approving your credit card. You can only spend within this limit, and if you exceed If you exceed this limit, you won’t be able to spend money with your card on a regular basis.

The credit limit is determined based on a comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The principal card and supplementary card*** share the same limit. Under normal circumstances, the RMB limit and the US dollar limit in a dual-currency credit card can be converted to each other. For example, if your limit is 30,000 RMB, when you use the card overseas, your credit limit is approximately equivalent to 5 ,000 USD.

The credit limit will be adjusted regularly by the bank, but you can proactively provide relevant proof of financial resources to request adjustment of the credit limit. In addition, when you need a higher limit within a certain period of time when traveling abroad, moving to a new home, etc., you can request to increase the temporary credit limit.

Credit cards are divided into two types: credit cards and quasi-credit cards. They provide settlement services, facilitate shopping and consumption, and enhance a sense of security; simplify payment procedures, save social labor; promote product sales, and ++ society requirements and other characteristics. A credit card is a special credit card issued by a bank or other financial institution to those with good credit status. It is a special card used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions.

Notes on using credit cards:

1. Pay attention to consumption

In addition to enriching the types of daily card consumption, credit cards must also ensure the consumption limit. Occasionally, I made several large purchases. In addition, you should also pay attention to avoid frequent consumption at the same place. After some friends made several large purchases, the bank not only refused to approve the limit increase, but also froze the credit card because of the risk of cashing out.

2. Pay attention to the limit

Friends who want to increase the limit of their credit cards must pay more attention to the changes in the limit of active credit cards, especially the usage limit and available limit. The higher the ratio of your credit card's used limit to your credit limit, the higher the chance of your application for a limit increase being approved.

3. Check credit report

If the cardholder has met the conditions for credit card limit increase, it is best to check your personal credit report first. Credit investigation has a great impact on credit card limit increase. Only a good credit record can ensure the success rate of credit card limit increase.

What does it mean that there is no cap on credit card swiping rates?

The uncapped credit card swiping rate means that when you use a credit card to swipe your card for consumption, there is no limit to the maximum handling fee. For example, if a credit card implements a cap and the handling fee does not exceed 100 yuan, then no matter whether the customer spends 10,000 yuan or 1 million yuan, the handling fee will not exceed 100 yuan. If there is no cap on the rate, then the customer will spend 1 million yuan in handling fee It may be 1,000 yuan or more.

Extended information:

With no cap on credit card processing fees, large credit card consumption will be most affected

With the implementation of the new policy on credit card processing fees, banks do not differentiate Merchant category, fixed price is implemented, and debit cards and credit cards are charged differently. The credit card processing fee is 0.6%, but there is no cap. The maximum debit card fee is 0.5%, and the maximum single charge is 25 yuan.

In other words, whether it is shopping malls, supermarkets or restaurants, they all implement unified rates and charge corresponding card swiping fees. For many merchants in the catering and entertainment industry, this greatly reduces the rate cost.

However, credit card processing fees in real estate, automobile and other industries have skyrocketed, and many merchants require customers to bear them themselves. For ordinary citizens, making large purchases with credit cards requires careful accounting.

For example, if you choose to use a credit card to purchase a car, the customer needs to pay a handling fee of 6%, but there is no handling fee for using a debit card. According to the new rules on credit card fees, if a consumer’s car payment is 300,000 yuan, and he purchases with one to two credit cards before September 6 last year, he can avoid the card fee. After the new rules are implemented, he will need to pay 1800 yuan handling fee.

Faced with rate adjustments, many car dealers have quietly adjusted their credit card payment models. A salesperson of a certain car brand told a reporter from Securities Daily: "When customers come for maintenance, we will guide them to the greatest extent to swipe their debit cards or use bank transfers.

If the customer does not agree, we will need to Handling fees vary depending on the amount. Generally, there is no handling fee for purchases under 5,000 yuan, and a handling fee of 0.5% for purchases above 5,000 yuan. ”

In addition to car brand 4S stores, there are also merchants in other industries that charge card swiping fees. passed on to consumers. At a real estate agency, a staff member said: "It is recommended to use cash or debit card to pay agency fees, rent, deposit, etc., and there is a 0.5% handling fee for using a credit card."

Due to this incident There is no cap on credit card swiping fees for rate adjustment. Many merchants say they cannot afford the card swiping fees for large purchases and can only transfer them to consumers or refuse to swipe them.

People's Daily Online - There is no cap on credit card processing fees, and now merchants violate the rules and make consumers pay the bill

That's it for the introduction to the uncapped credit card fees.